VM FINOPS
ActiveSummary
VM FINOPS has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €754 and a net result of €-2k. Its solvency ranks better than 12% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes
Profitability10
Solvency29
Growth-
Track record67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.93; short-term debt: 96.2% of total assets), and 96.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.8%
Return on assets
-11.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
47 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€754
Total assets
€20k
Net result
€-2k
Working capital
€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €20k
Fixed assets
€2k
Current assets
€18k
Equity and liabilities €20k
Equity
€754
Debt
€19k
Debt finances 96.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€1k
Cash flow
€-2k
Current ratio
0.93
ROA
-11.3%
Interest coverage
0.61
Debt ≤ 1 year
€19k
Income taxes
€1k
Equity ratios withheld: equity of €754 is too small for a meaningful ratio.
Filed annual accounts As filed with the NBB · 2025 · 29 lines
Balance sheet
Code2025
Assets
Total assets20/58€20k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Furniture and vehicles24€2k
Current assets29/58€18k
Current investments50/53€16k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€20k
Equity10/15€754
Contributions10/11€3k
Profit (loss) carried forward14€-2k
Amounts payable17/49€19k
Amounts payable within one year42/48€19k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€7k
Taxes450/3€7k
Other amounts payable47/48€7k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€188
Other operating charges640/8€414
Gross operating margin9900€2k
Operating profit (loss)9901€1k
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€-1k
Income taxes67/77€1k
Profit (loss) for the period9904€-2k
Profit (loss) for the period to be appropriated9905€-2k
Appropriation of the result
Profit (loss) to be appropriated9906€-2k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €188 |
| Other operating charges640/8 | €414 |
| Gross operating margin9900 | €2k |
| Operating profit (loss)9901 | €1k |
| Financial charges65/66B | €2k |
| Recurring financial charges65 | €2k |
| Profit (loss) for the period before taxes9903 | €-1k |
| Income taxes67/77 | €1k |
| Profit (loss) for the period9904 | €-2k |
| Profit (loss) for the period to be appropriated9905 | €-2k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €20k | |
| Fixed assets21/28 | €2k | |
| Tangible fixed assets22/27 | €2k | |
| Furniture and vehicles24 | €2k | |
| Current assets29/58 | €18k | |
| Current investments50/53 | €16k | |
| Deferred charges and accrued income490/1 | €2k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €20k | |
| Equity10/15 | €754 | |
| Contributions10/11 | €3k | |
| Profit (loss) carried forward14 | €-2k | |
| Amounts payable17/49 | €19k | |
| Amounts payable within one year42/48 | €19k | |
| Trade debts44 | €5k | |
| Suppliers440/4 | €5k | |
| Taxes, remuneration and social security45 | €7k | |
| Taxes450/3 | €7k | |
| Other amounts payable47/48 | €7k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €-2k |
| + Depreciation and write-downs630 | €188 |
| Operating cash flow (approximation) | €-2k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Linter · 1 establishment unit since 2025
Ground area
1,330 m²
Building footprint
196 m²
Volume, LiDAR
808 m³
2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VM FINOPS
since 20252.375.988.967
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24002G0109/00A000 | Flanders | 710 m² | 1 · 71 m² | 0.0 m |
| 24022C0233/00F000 | Flanders | 620 m² | 1 · 125 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
VRL Management
BE 0803.976.778
Hasselt · Eq €757
RK-Expert
BE 0792.822.273
Rixensart · Eq €758
VLEKKEN CONSULT
BE 0712.973.754
Halen · Eq €759
EDRC
BE 0847.101.790
Genappe · Eq €759
TRASA
BE 0475.405.314
Liège · Eq €750
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 4,015 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-07-2025
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
73110Advertising agencies
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Scores and ratios are computed by Checked and are not a credit decision.